{ 14 comments… read them below or add one }

1 Brock - Backpack With Brock May 13, 2012 at 2:55 pm

Good tips for saving for your travel goals!


2 theprofessionalhobo May 13, 2012 at 7:49 pm

@Brock – Thanks! Do you have similar recommendations when you help people prepare for their own travels?


3 Melanie May 18, 2012 at 8:36 pm

Hi Nora

Just wanted to say a big THANK YOU! For the tip on ING, I did just as you said and was actually credited $50 for my $100 deposit. This is the best ROI I have ever received!


4 theprofessionalhobo May 20, 2012 at 8:56 pm

@Melanie – Sweet! I’m curious about the $50…but I guess we shouldn’t question it too much… 😉


5 Melanie May 21, 2012 at 10:38 pm

I know? All I did was follow your directions, add your code and voila they deposited $50 into my account and called it a “Referral Bonus”?

Which is fine with me, so thanks for the great financial tip!


6 ruthy June 21, 2013 at 9:43 am

The idea of using that surplus money that gets manually transferred over after all else is paid, is really taking that extra step. Sometimes taking that extra step is what makes the difference. Most people have their designated amount that gets transferred every paycheck and then spend the rest that they have left over, but if you are really dedicated then yes you will even save that surplus money.


7 theprofessionalhobo June 22, 2013 at 11:16 am

Hey Ruthy – I think it’s great to do both; transfer the designated amount each month, and then spend consciously with an aim to have money left over from your “discretional” savings. If you’re committed to the cause, it’s wonderful to see just how much money you can save during the couse of the month. And like you said – it makes a difference!


8 Christina September 9, 2013 at 2:45 am

Hi there,

Great tip! But I think it only applies to Canadians. I tried the promo code for Australian application and it didnt work. Oh well. Thanks anyway!


9 theprofessionalhobo September 9, 2013 at 9:25 am

Oh Boo! Thanks for letting us know, Christina. Happy banking!


10 Rhoni September 10, 2013 at 8:37 pm


I am wondering which banking institution you use for your atm/credit cards? Do we have one that does not charge us for the international atm fees like the US has? Thanks


11 theprofessionalhobo September 11, 2013 at 8:59 am

Hi Rhoni,
Assuming you’re Canadian, there’s a discussion about just this topic on another post on my site! Unfortunately the consensus is that there’s no obvious choice; all the banks charge international ATM fees; HSBC charges a bit less if you use an HSBC machine abroad.


12 Craig November 2, 2015 at 5:23 am

I’m new to your blog and really enjoying (and benefitting from) it! Thanks!

I was particularly glad to receive your latest update around finances, as there is one thing that I’ve been struggling to work out: “How to manage your money when you don’t have a fixed abode / address, and how to balance this with the tax implications of being a resident / non-resident.” Any ideas other than getting a friend or family member to use their address?


13 Nora Dunn November 2, 2015 at 6:08 pm

Hi Craig,
I personally use a family member’s address as my “residence” in Canada for tax and other official purposes. If you don’t have somebody who can do this for you, you can use a virtual mailing service:

And here’s some more info on generally managing finances (and filing taxes) while living abroad:

Hope this helps!


14 Craig November 5, 2015 at 4:03 am

Thanks, Nora. Really helpful advice / links…another step towards me becoming of “no fixed abode”! Good luck and much happiness with your continuing travels / adventures!


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